clock menu more-arrow no yes mobile

Best Home Insurance in Washington, D.C.

Finding home insurance in Washington, D.C., is easy with so many providers available. If you’re looking for the best policy, however, there are four companies you’ll want to consider.

Kitchen Adobe

Purchasing a home insurance policy for your Washington, D.C., home can give you peace of mind. In exchange for a monthly premium, your policy will help safeguard you from expensive, unexpected costs when damage occurs.

The best homeowners insurance companies in Washington, D.C., provide affordable premiums and extensive coverage with a variety of customizable add-ons. Read on for our top picks for Washington, D.C., home insurance.

To get home insurance quotes in your area, call 855-948-5219 or enter your zip code in our free quote tool:

Washington, D.C.’s Top 4 Homeowners Insurance Companies

The highest-rated homeowners insurance companies in Washington, D.C., include:


Lemonade: Easiest Sign-Up

  • J.D. Power Rating: N/A
  • A.M. Best Rating: N/A

This newcomer to the homeowners insurance industry has made a big impact in just a few years. Lemonade has an emphasis on both technology and charity. Its convenient, efficient mobile app allows homeowners to upload videos detailing their insurance claims—and almost a third of claims are handled instantly. A unique provider, Lemonade pools the premiums of its customers and donates any leftover money to charity at the end of the year.

Pros and Cons

✔ Efficient, speedy mobile app
✔ Charitable Giveback program
✔ Nearly a third of claims handled instantly
✘ Not available nationwide

Plans and Pricing

We received an automatic quote for a new construction, single-family, approximately 2,200-square-foot home in Eureka, California. The monthly premium came out to $60.75.

For the most accurate cost information, we recommend getting a quote directly from Lemonade. To get a free quote, visit the company’s website.

Discounts

Lemonade offers several discounts to help lower the cost of your monthly premium:

  • Fire protection
  • Protective devices
  • Gated community
  • Multi-policy

Learn More: Lemonade Home Insurance Review


Allstate: Best for Coverage Options

  • J.D. Power Rating: 829/1000
  • A.M. Best Rating: A+

Allstate, the second-largest home insurance company in the country, has strong financial backing and a longstanding reputation. Its comprehensive list of endorsements includes sports equipment coverage and identity theft protection. Allstate stands out with its 24/7 customer service center. Its customer service representatives are available to answer all kinds of home insurance questions—not just assist with claims.

Pros and Cons

✔ Extensive endorsement options to customize your policy
✔ Second-largest homeowners insurance provider in the U.S.
✔ 24/7 customer service for all insurance questions
✘ Average customer satisfaction ratings

Plans and Pricing

We received an instant quote for a single-family, new construction, approximately 2,000-square-foot home in Washington, D.C., valued at roughly $320,000. The monthly premium came out to $177.

Discounts

Allstate offers many discounts to help reduce the cost of your premium:

  • Multi-policy
  • Early signing
  • Claim-free
  • Home alarm
  • Roof
  • Smoke-free
  • Storm shutter
  • Homebuyer
  • Easy Pay Plan
  • Age 55 and retired
  • Welcome and loyalty

Learn More: Allstate Home Insurance Review


Farmers: Most Customizable Coverage

  • J.D. Power Rating: 820/1000
  • A.M. Best Rating: A

Farmers is a popular home insurance company that is known for its reliability. The provider offers several uncommon perks, like declining deductibles and claim forgiveness. The declining deductibles policy means that Farmers will reduce your deductible by $50 every year your policy is in force. Claim forgiveness waives your surcharge if you go five or more years without filing a clam.

Pros and Cons

✔ Claim forgiveness
✔ Declining deductibles
✔ Available nationwide
✘ Fewer endorsements than competitors
✘ Website lacks some details

Plans and Pricing

We received an instant quote for a new construction, single-family, approximately 2,100-square-foot home in Washington, D.C., valued at roughly $190,000. The monthly premium came out to $148.

Discounts

Farmers offers several discounts to lower your monthly premium:

  • Claim-free
  • Non-smoking
  • Multi-policy
  • Protective devices
  • New home
  • Roofing materials

Learn More: Farmers Home Insurance Review


Travelers: Most Experience

  • J.D. Power Rating: 800/1000
  • A.M. Best Rating: A++

Travelers is one of the most experienced home insurance companies in the industry, with more than 160 years under its belt. The company has a proven track record and a variety of attractive endorsements. This environmentally friendly endorsement helps cover the cost of reconstructing your home with green materials in the event of a covered loss.

Pros and Cons

✔ Available nationwide
✔ More than 160 years of experience
✔ Some less common endorsements, like its Green home endorsement
✘ Few discounts available comparatively
✘ Poor reviews for mobile app

Plans and Pricing of Travelers

We received an instant quote for a new construction, single-family, approximately 2,200-square-foot home in Austin, Texas, valued at approximately $310,000. The monthly premium came out to $58.

Discounts

Travelers offers several discounts to help you reduce the cost of your policy:

  • Multi-policy
  • Loss-free
  • Homebuyer
  • Protective device
  • Green home

Learn More: Travelers Home Insurance Review


Industry-Standard Coverage

The majority of home insurance companies offer six essential forms of coverage—dwelling, other structures, personal property, loss of use/additional living expenses, personal liability, and medical payments to others. Each one of our top recommendations offers this coverage. You can find a breakdown below.

Coverage

Type Description
Type Description
Dwelling + other structures Covers the cost of repairing or replacing the home’s interior and exterior, in addition to any other structures on the property
Personal property Covers the cost of replacing personal possessions, including clothing, electronics, and furniture
Personal liability Covers the cost of attorney fees, court fees, and damages resulting from someone being injured on your property
Loss of use/additional living expenses Covers the cost of living expenses like accommodations and dining if your home is temporarily uninhabitable due to covered damage or destruction
Medical payments to guests Covers the cost of medical expenses if someone is injured in the home


Our Conclusion

Each of our top recommendations stands out with features. Allstate is our selection for best overall, with extensive endorsement options and a 24/7 customer service center. Travelers has more than 160 years of experience and a proven track record. Farmers offers benefits like claim forgiveness and declining deductibles, and newcomer Lemonade offers technologically advanced solutions to home insurance.

Before you purchase a home insurance policy in Washington, D.C., we recommend getting a free quote from all four providers to compare coverage and pricing. To do this, you can call 855-948-5219 or enter your zip code in the tool below.

FAQs About Home Insurance in Washington, D.C.

What is the average monthly cost of homeowners insurance?

According to Zillow, the average monthly cost of homeowners insurance is $35 per month for every $100,000 of home value.

Who has the cheapest homeowners insurance?

Of the homeowners insurance companies we’ve evaluated, Lemonade and Costco have some of the most affordable rates.

What insurance company is best for homeowners?

We believe that Allstate is the best overall option for homeowners insurance, with extensive endorsement options to help you customize your coverage and a 24/7 customer service center.


Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.